Author Archives: The Jewish Lady

Super Savings Saturday – 2/22

sss

It’s time for another edition of Super Savings Saturday!

This week was a bit disappointing. I started off at the mall, hoping to get a freebie at Lane Bryant, only to find that the store has been closed! (Not everywhere, just at my mall.) So much for that…

There was nothing at Rite Aid I wanted, ditto for CVS. I did manage to find a few goodies at Walgreens. Not every week is a grand slam; that’s why consistency is key with couponing.

Walgreens: 2 Yes To Cucumbers wipes, $3.29 each, I used 2  $3.50 Manufacturer’s Coupons (marked down.) Total: free!

Secret Clinical deodorant, free with a coupon from http://vocalpoint.com/ (Sent to me months ago and expires 2/28). Total: free!

3 packs of Angel Soft, on sale for $3.99, I used 3  $0.50 Manufacturer’s Coupons, plus 3  $0.50 Store coupons. The total was $8.97, I added in a $1.29 candy, so I could use a $10RR (at Walgreens you can’t have more coupons than items.) Total: $0.26!

Seven items for a quarter and a penny, you can’t beat that!

 

What did you buy this week?

Affordable Housing

house

When I worked as a Realtor, I learned a lot about the housing market. Affordable options can be tough to find. Many people are paying 30, 40, sometimes even more than 50% of their salary, just to keep a roof over their heads. If you’re in that situation, it may be time for drastic measures.

I don’t advocate getting huge mortgages. Foreclosures are becoming the norm, rather than isolated cases. When we buy or rent homes that we can’t afford, we are bound to lose them! There are a lot of emotions tied up with real estate. Many, many times people cling to their “dream home” and leave only when the Sherriff comes! If you’re willing to keep an open mind, read on:

1.   Downsize

Why is square footage up while the average family size has shrunk? Because we all need “space.” How much is enough? If you’re a family of 4 living in 4,000 Sq. Feet, I are dare say you can downsize comfortably. Which size is right? Only you know. Individual families have their own needs, but as a whole, this societal trend towards McMansions has gotten out of control. Families can live in cottages, apartments, Tiny Houses, etc.

2.   Focus on necessity over luxury

Swimming pools, 3-car garages, granite counters, whirlpool tubs and  5 bedrooms are all luxury items. We need bedrooms, a bathroom, a kitchen, and a living area. Is it nice to have extra? Of course! But at what cost? Everything beyond the basic should be carefully examined. Don’t be like Meri crying over a Wet Bar! (Don’t you just love Sister Wives?)

3.   Move

Of all the options, this is the most drastic, but often has  the largest financial impact. Real estate is most expensive on the East and West Coasts, while the South and Midwest are significantly cheaper. If your job allows a transfer, or you work at home, a move might be possible.

4.   Investment Opportunity Housing

A house is usually a money-sucker, not a money-maker. If you buy a property that also earns income, it will cut expenses. Look at Multi-Family buildings. You can live in a Duplex and rent the other side. Small mobile home parks can be a good investment, as can super-small apartment complexes.

If none of the above is an option, and you truly can’t afford a place to live, try:

5.  Shared housing

If you’re single, consider a roommate. Move in with parents or siblings. If you own a home, think about getting a renter. This should be entered into cautiously, weighing all the positives and negatives. It may be unpleasant, but it will allow you to save up enough for your own modest place.

 

Is your housing unaffordable?

Pasta Supreme

pastasupreme

When you feel like there’s nothing in the kitchen, try this recipe for Pasta Supreme. It can be made strictly from the pantry. The ingredients will be less than $5.00 total, especially if bought on sale.

cans   pasta

Start with canned tuna, olives, and pasta. For this recipe, I like the kind canned in oil. Canned olives can be extra salty, so I like to soak mine in water while the pasta cooks.

olives

For the sauce, you’ll need oil, garlic, Smart Balance, salt/pepper, red pepper flakes, and a lemon.

sauce

Saute 1 Tsp of garlic in approximately 3 Tsp Smart Balance. Add in seasonings to taste and the lemon juice. Then, add the drained olives and the undrained tuna. Mix well. If it seems dry, you can use additional oil and lemon juice, depending on individual taste.

If you have any frozen veggies, put them in the bottom of the colander. As the pasta drains over it, they will defrost! I used broccoli.

brocc

Give it a good shake to remove any excess water, then add the pasta and broccoli to the sauce mixture. This makes a truly tasty pasta dinner!

pastasupreme

I usually get 3 good-size servings, depending on sides. It goes great with salad and bread, but don’t worry if it’s served alone.

 

What do you cook when the fridge is empty?

Work From Home Options

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The internet has really revolutionized the concept of working from home. There are so many Web-based businesses out there! Mind you, there are options that aren’t online, too. Working from home is appealing because you can set your own hours and prices. It can fill a void for those who can’t keep a traditional job. Personally, I have always dreamed of an at-home career! Here is a list of ideas to get you started:

1.  Blog

This has to be the most awesome online business ever! Anybody that enjoys writing can blog. There are many hosting services, both free & paid. For those who don’t want to design their own, Blogelina has a great Start Up package. I personally set up my own site, but for the less tech-savvy, it can be a bit complicated. Blogging can be a hobby or a business. If you want to make it a business, treat it like one! Yes, friends and family will read it, but if you want to expand, you need advertising.

 

2.  Online Store
This could be Ebay, Etsy, Craigslist, etc. You can sell off stuff you no longer want, gifts you don’t like, resale items, antiques, handmade crafts. My sister has an amazing Etsy store for her clay. The list is truly endless.

 

3. Child Care
Whether it’s baby sitting, an in-home day care, being a mother’s help, etc. Since most parents work, quality childcare is a necessary, growing field. This works especially well for mothers of young children that are home anyway and need some extra income.

 

 4. Food Business

There are all different types of food businesses—cake decorating, prepared mixes, candies, condiments, baked goods. If you’re a really good cook, try offering cooking classes. This field usually requires a license from the Health Department.

5. Sewing

If you’re a good seamstress, you can do alterations at home, or create beautiful custom pieces to order. Many people lack all ability to sew—even a button!—and will gladly pay for alterations. When I was growing up, there was a local lady we called “Marlene the dressmaker.” Her claim to fame was that she’d come to your home. Many times, I’d hear someone bemoan that her skills were mediocre, but the service was excellent!

 

6. Farmer’s Market

If you enjoy gardening, you can grow crops or flowers. Both sell well at Farmer’s Markets. Some also accept prepared foods and other goods. Many Farmer’s Markets are now year-round, too.

 

 
7. Laundry

This is an old-school idea. Years ago, some ladies used to take in other people’s washing for a small fee. It’s not as common now, with the availability of dry cleaners and Laundromats. You can do what those companies do, probably better and cheaper, too!

 

8. Pet Sitting
This could be done in your own home or the owner’s. Pet boarding is becoming very popular. A lot of people don’t want to take their animal to a kennel and would love to have someone safe and loving watch their pet.

 

9. Tutor

Many children and, even some adults, need a tutor. You can teach anything you are accomplished at. Foreign languages are especially in need. I know one lady that teaches Hebrew part-time over Skype! Also, homeschoolers are a huge market.

10. Music Lessons
If you’re a musician, you can teach others to play. Piano, violin, the flute, and guitar are all popular. I see ads in the windows of music stores offering lessons constantly.

 

11. Raise/Breed Animals
This could be dogs, cats, rabbits, etc. Puppy Mills are horrible! Clean, human breeders always get traffic, especially around the holidays. If you have land, you could try livestock, either to sell or eat.

 

12. Flexible Profession

Before I was a Blogger, I used to be a Realtor. I was able to work mostly from home, when I wanted.  I know of doctors, lawyers, dentists, insurance agents, and hairdressers who’ve built an office that’s attached to their home.

13. Landlord
Renting property can be a great source of income, both residential and commercial. If you’d like to buy your own home, but can’t afford it, look into a duplex. The rental fee can often cover the entire mortgage for both units.

 

There are many more options, but I think I’ll save that for Part 2!

 

Would you like to work from home?